WO2011137254A3 - Methods and apparatus for a document clearinghouse and secure delivery network - Google Patents

Methods and apparatus for a document clearinghouse and secure delivery network Download PDF

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Publication number
WO2011137254A3
WO2011137254A3 PCT/US2011/034364 US2011034364W WO2011137254A3 WO 2011137254 A3 WO2011137254 A3 WO 2011137254A3 US 2011034364 W US2011034364 W US 2011034364W WO 2011137254 A3 WO2011137254 A3 WO 2011137254A3
Authority
WO
WIPO (PCT)
Prior art keywords
ecs
messages
provide
user
financial data
Prior art date
Application number
PCT/US2011/034364
Other languages
French (fr)
Other versions
WO2011137254A2 (en
Inventor
Josselyn Boudett
David J. Diaz
Ron E. Edison
Hatem K. El-Sebaaly
Donald H. Graham Iii
Abby Hedengran
Matthew L. Wright
Original Assignee
Tobsc Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to US33022610P priority Critical
Priority to US61/330,226 priority
Priority to US61/367,576 priority
Priority to US36757410P priority
Priority to US36757610P priority
Priority to US61/367,574 priority
Priority to US41662910P priority
Priority to US61/416,629 priority
Application filed by Tobsc Inc. filed Critical Tobsc Inc.
Publication of WO2011137254A2 publication Critical patent/WO2011137254A2/en
Publication of WO2011137254A3 publication Critical patent/WO2011137254A3/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management

Abstract

An electronic clearinghouse system (ECS) for securely delivering, retrieving, authenticating, storing, generating and distributing messages, such as financial documents and/or records are described. For message providers, the ECS can provide a secure and trusted venue for delivering messages, such as messages including financial data to their clients that reduces their delivery costs. For users of the ECS, the ECS can provide a central location where each user can receive and consolidate their messages, such as financial documents and associated financial data from a number of different financial data providers. To facilitate these functions, the ECS can include an automated system for recording delivery status as well as evidence of delivery of messages, including whether a message has been viewed by a particular user. Further, the ECS can include components for scheduling events, such as monetary transfers and bill payments, and providing reminders for such events. Also, the ECS can provide utilities that allow a user to package and securely deliver messages to other users.
PCT/US2011/034364 2010-04-30 2011-04-28 Methods and apparatus for a document clearinghouse and secure delivery network WO2011137254A2 (en)

Priority Applications (8)

Application Number Priority Date Filing Date Title
US33022610P true 2010-04-30 2010-04-30
US61/330,226 2010-04-30
US36757410P true 2010-07-26 2010-07-26
US36757610P true 2010-07-26 2010-07-26
US61/367,574 2010-07-26
US61/367,576 2010-07-26
US41662910P true 2010-11-23 2010-11-23
US61/416,629 2010-11-23

Publications (2)

Publication Number Publication Date
WO2011137254A2 WO2011137254A2 (en) 2011-11-03
WO2011137254A3 true WO2011137254A3 (en) 2012-04-19

Family

ID=44859067

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2011/034364 WO2011137254A2 (en) 2010-04-30 2011-04-28 Methods and apparatus for a document clearinghouse and secure delivery network

Country Status (2)

Country Link
US (5) US20110270748A1 (en)
WO (1) WO2011137254A2 (en)

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Also Published As

Publication number Publication date
US20110270763A1 (en) 2011-11-03
US20110270760A1 (en) 2011-11-03
WO2011137254A2 (en) 2011-11-03
US20110276493A1 (en) 2011-11-10
US20110270748A1 (en) 2011-11-03
US20110270761A1 (en) 2011-11-03

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